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Capital One Spark Business and Personal Credit

Contributor

Capital One Spark Business and Personal Credit

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?

Capital One Secured 1/17 $351 -> $651
Amazon Prime Store Card 7/17 $2300 -> $3300 -> $5500
Suntrust Cash Rewards 1/18 $4000 AU closed
Capital One Spark Business 1/18 $2000
Overstock 1/18 $1400->$3400
Chase Freedom 1/18 $2500
Discover It 2/18 $2000
Gardening since 2/8/18 before applying for mortgage
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Capital One Spark Business and Personal Credit


@wrote:

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?


It does report to personal. Sometimes it takes 2 or 3 cycles, but it’ll show

Chase 65.5k-Bank of America17k-FNBO 41k-Banco de Popular 25k-Discover 9.2k-Synchrony 70.5k-Banco do Brazil 5k-Amex Plat-Capital One 53.1k-NFCU 88k-John Deere 17.5k-EECU 10k-Commerce 17k-Blispay 7.5k-Citi 20k-Fleetcor 7k-personal CL 443,450-AU 250,350
Message 2 of 8
Contributor

Re: Capital One Spark Business and Personal Credit

Thank you!

Capital One Secured 1/17 $351 -> $651
Amazon Prime Store Card 7/17 $2300 -> $3300 -> $5500
Suntrust Cash Rewards 1/18 $4000 AU closed
Capital One Spark Business 1/18 $2000
Overstock 1/18 $1400->$3400
Chase Freedom 1/18 $2500
Discover It 2/18 $2000
Gardening since 2/8/18 before applying for mortgage
Message 3 of 8
Member

Re: Capital One Spark Business and Personal Credit

Yes, it does report to personal. Just find your statement closing date and PIF before it closes. Great card, the unlimited 2% cash back is hard to beat. 

Chase Biz Marriot 30k| C1 Spark 23k| BOA Csh Rwd Biz 15k| BOA Spirit Biz 16k| Sams MC 15k| AMEX Biz Bl Csh+ 13.5k| Frontier WW MC 7.5k| Target MC 5k| Chase Amz Prime 5k| Cosotco Biz Visa 4k| Discover It 1.3k
FICO-8 EQ756, TU748, EX743.
Message 4 of 8
Super Contributor

Re: Capital One Spark Business and Personal Credit


@wrote:

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?


Yes it reports to personal.

 

 

Current FICO8 EQ 774 TU 794 EX 772
Message 5 of 8
Contributor

Re: Capital One Spark Business and Personal Credit


@wrote:

Great card, the unlimited 2% cash back is hard to beat. 


I'm only getting 1%. Do you know if that's possible to upgrade it in 6-18 mo?
Capital One Secured 1/17 $351 -> $651
Amazon Prime Store Card 7/17 $2300 -> $3300 -> $5500
Suntrust Cash Rewards 1/18 $4000 AU closed
Capital One Spark Business 1/18 $2000
Overstock 1/18 $1400->$3400
Chase Freedom 1/18 $2500
Discover It 2/18 $2000
Gardening since 2/8/18 before applying for mortgage
Message 6 of 8
Member

Re: Capital One Spark Business and Personal Credit

They have a website to see if you have any upgrades available. It took me about 12 months to go from 1.5% to 2%

 

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Chase Biz Marriot 30k| C1 Spark 23k| BOA Csh Rwd Biz 15k| BOA Spirit Biz 16k| Sams MC 15k| AMEX Biz Bl Csh+ 13.5k| Frontier WW MC 7.5k| Target MC 5k| Chase Amz Prime 5k| Cosotco Biz Visa 4k| Discover It 1.3k
FICO-8 EQ756, TU748, EX743.
Message 7 of 8
Super Contributor

Re: Capital One Spark Business and Personal Credit


@wrote:

wrote:

Great card, the unlimited 2% cash back is hard to beat. 


I'm only getting 1%. Do you know if that's possible to upgrade it in 6-18 mo?

I don't know the timing but yes they upgrade.

Current FICO8 EQ 774 TU 794 EX 772
Message 8 of 8